OpenAI has launched a personal finance service within ChatGPT, which is currently in testing for Pro subscribers in the United States. The service allows users to connect their financial accounts and ask questions regarding their personal finances, including budgeting and savings.
The initiative aims to simplify money management by enabling users to view their financial information in one place rather than navigating multiple apps and records. According to OpenAI, ChatGPT can leverage users’ financial contexts to provide tailored advice on budgeting, savings, and significant financial decisions. The company’s announcement states, “ChatGPT can combine that reasoning with your real financial context and what you’ve shared about your goals, lifestyle, and priorities.”
OpenAI made it clear that the service should not be viewed as a replacement for professional financial advice, due to the potential for inaccuracies. The personal finance feature is powered by GPT-5.5 Thinking, which OpenAI claims outperforms previous models on complex tasks related to personal finance. The system scored 82.5 out of 100 on OpenAI’s internal benchmark.
Users can pose questions about spending habits, strategies for saving towards major purchases, and evaluating investment risks. The personal finance experience has been designed with input from over 50 finance professionals, and OpenAI plans to expand the feature with partnerships from industry players to include loan inquiries and applications directly within the ChatGPT app.
To connect their accounts, users must access the Finances option in the sidebar or use the prompt “@Finances, connect my accounts.” The service supports connections from over 12,000 financial institutions, and users can disconnect their accounts or delete chat histories at any time. Notably, ChatGPT will not perform financial transactions.
Once accounts are connected, users receive a dashboard that offers a visual representation of their finances through tables and charts. Initial reactions from users on platforms like Reddit indicate skepticism, with concerns regarding data privacy and potential errors from the AI. One user commented that the service “sounds like malware,” while others expressed similar apprehensions about its safety and reliability.
